JPMORGAN CHASE CO.
Consumer Complaints
There are over 65161 complaints on file for JPMORGAN CHASE CO.. Dated between 2019-12-11 and 2011-12-01.
Complaints Page 203
2019-04-23
Manhattan, NY
Closing an account
Checking or savings account: Checking account
Funds not received from closed account
Company Response: Closed with monetary relief
2019-04-23
CA
Incorrect information on your report
Credit card or prepaid card: General-purpose credit card or charge card
Account status incorrect
Complaint: I formerly held accounts with Chase Bank. After getting married, my husband and I decided to close all my Chase accounts ( checking, saving, credit card ). Some time later, I visited the Chase branch in the city I had moved to and asked to close my account. The teller emptied my checking and savings accounts and told me I was " good to go ''.
Being my first time closing an account, I took the teller at her word and left believing that my account had been closed. However, I did not discover that this was not the case until months later while visiting my parents. Because my account was not actually closed, the overdraft fee to keep my account open was charged to my credit card. Since the teller had not updated my information, the paper copies of my bank activity were being mailed to my parents house who live in another city. When I finally received the letters, it was months later. Had my personal information been updated, I would have been aware of the error and fixed it immediately. I had not ever been late on a payment before. In XXXX of XXXX I went in person to another Chase branch to pay the fees and ensure that all accounts were indeed closed. The banker was able to waive part of the fees considering the circumstances but did not pay it in full.
My husband and I are now applying for a home loan but this misappropriated penalty is negatively affecting my credit score.
Company Response: Closed with explanation
2019-04-23
Cleveland, OH
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Company Response: Closed with monetary relief
2019-04-22
Elk Grove, CA
Opening an account
Checking or savings account: Savings account
Confusing or missing disclosures
Company Response: Closed with explanation
2019-04-22
Saint Cloud, FL
Closing on a mortgage
Mortgage: FHA mortgage
Company Response: Closed with explanation
2019-04-22
NY
Written notification about debt
Debt collection: Credit card debt
Didn't receive notice of right to dispute
Complaint: On XX/XX/XXXX while trying to use my debit card, I found out that my bank account had been frozen. In doing further research with my bank, XXXX XXXX XXXX XXXX ( XXXX ), I was able to ascertain that XXXX XXXX XXXX, on behalf of Chase Manhattan Bank, had put a freeze on my bank account due to a judgement for a credit card I may or may not have had back in the late XXXX's/early XXXX ( I have no idea really what it is about ). This is the first notice I have received for this judgement and any further actions that were taken. I called XXXX with XXXX on XX/XX/XXXX for further information and still did not receive the information needed nor anything in writing that I could dispute these charges with before the action was taken. I have since left XXXX several voicemail messages to which thus far have not been returned. I also check my credit report on a regular basis and this charge/collection efforts have not been noted on anything. Please assist at your earliest convenience as this is creating a tremendous financial hardship on our family.
Company Response: Closed with explanation
2019-04-22
Manassas, VA
Managing an account
Checking or savings account: Checking account
Problem accessing account
Company Response: Closed with explanation
2019-04-22
Lafayette Square, LA
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Company Response: Closed with explanation
2019-04-22
Taunton, MA
Attempts to collect debt not owed
Debt collection: Other debt
Debt was already discharged in bankruptcy and is no longer owed
Company Response: Closed with explanation
2019-04-22
San Francisco, CA
Opening an account
Checking or savings account: Savings account
Didn't receive terms that were advertised
Complaint: On XX/XX/2018, I opened a Chase XXXX account in response to an emailed promotion sent to me ( see attachment ). The promotion states I would receive a {$220.00} bonus to my account after depositing {$15000.00} and maintaining that balance for 90 days, amongst other terms.
Last week, XX/XX/XXXX, I noticed I had not received the bonus, and sent a message to Chase support asking for the status. Support said my account showed no record of this bonus, and they were unable to help me. I requested to escalate to a supervisor, but the response was the same.
I am very disappointed that my account was not credited with the bonus after opening the account through the marketing email and following the requirements.
Company Response: Closed with monetary relief
2019-04-22
Mesa, AZ
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with explanation
2019-04-22
Atl, GA
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with explanation
2019-04-22
Darnestown, MD
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Card was charged for something you did not purchase with the card
Company Response: Closed with explanation
2019-04-22
Torrance, CA
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with customer service
Complaint: This claim involves the claims filed by me ( XXXX ) and on my behalf by the California Department of Business Oversight ( XXXX ) against Chase Bank. The currently pending claims involve fraudulent charges made on my credit card in a foreign country. The pending claims provide detailed information regarding Chase Banks intentional evasiveness, delay tactics, and refusal to resolve my matter.
Shortly after the above-mentioned claims were filed with the CFPB, Chase Bank engaged in retaliatory behavior against me. With at least the knowledge of the claim filed by the California Department of Business Oversight ( CDBO ) ( which was submitted on XX/XX/2019 ), and possibly also the knowledge of the claim I filed on XX/XX/2019, Chase Bank first closed the matter that was the basis for the claims ( despite their being open claims with the CFPB ), and then restricted my online access to my account.
Chase Bank informed me that it was closing my matter in a letter dated XX/XX/2019 just two days after I submitted my CFPB complaint, and 12 days after the CDBO submitted a complaint on my behalf. The XX/XX/XXXX letter contained material misstatements regarding which charges I am disputing. Chase Bank then restricted online access to my bank account, disabling certain features and preventing me from using the over 300,000 points Ive accumulated as a Chase Bank customer. In multiple instances, when I tried to access my online account, a prompt stated that my email address had been changed to XXXX and that access was forbidden.
I believe Chase Bank closed my matter and restricted access to my account because of the claims the CDBO and I filed with the CFPB. Chase Bank is aware of the amounts I owe, and that those amounts are significant to me. Chase Bank is also aware that the issues involved in the recently closed matter are the same issues that form the basis for the claims filed with the CFPB.
Chase Bank unrestricted access to my account after my attorney placed two unanswered calls and two unanswered emails to the Chase Executive Fraud Department, as well as one unanswered call to the Chase Fraud Department. Chase Bank returned my attorneys calls, on XX/XX/2019. My attorney spent 30 minutes speaking with the Fraud Department, 10 minutes on hold, and 20 minutes speaking with a representative in the Customer Service Department. The Chase Fraud Department referred my attorney to the Customer Service Department because the Fraud Department only deals with fraud.
During my attorneys call with the Chase Fraud Department, the Chase Bank agent ( XXXX XXXX ) told my attorney that if he wanted access to the audio recordings referenced in Chase Banks XX/XX/2019 letter to me ( written by XXXX XXXX ) he would need to subpoena that information. The letter specifically mentioned that certain audio recordings were germane to my matter being closed and the fraudulent charges being upheld. The audio recordings mentioned in the XX/XX/2019 letter had never previously been mentioned over the course of the eight months Ive been disputing the charges.
After being referred by the Fraud Department to the Customer Service Department, the Customer Service Department informed my attorney that he would again need to include me on a call to verify that my attorney is who he says he is ; however, on multiple occasions, I had already provided Chase Bank with confirmation that my attorney represents me, both orally and in writing. Whats more, the Fraud Department had just spoken about my matter at length with my attorney right before connecting my attorney to the Customer Service Department.
Both the Fraud Department and the Customer Service Department told my attorney that a security hold had been placed on my online account. The Customer Service Department revealed that security holds are put in place when there has been a suspected security breach. There was no suspected security breach. The Customer Service Department said that the security hold would be in place until I received a new card for the account on which the fraudulent charges had been made but I received that new card ( and a new account number ) over 8 months ago, and Chase Bank knew this.
Shortly after my attorney ended the call with the Chase Bank Customer Service Department, my attorney received a call from the Chase Executive Fraud Department. The Executive Fraud Department again confirmed that there was a security hold on my account, and that they would need to reach out to the Security Department to determine why the hold was in place. They told my attorney they would call him back when the Executive Fraud Department heard from the Security Department this was yet another delay tactic consistent with the pattern of behavior complained of in the previously filed CFPB complaints.
The Executive Department also again refused to send my attorney the audio recordings that formed the basis for Chase Bank upholding the fraudulent charges to my account. The Executive Fraud Department did, however, at my attorneys forceful request, agree to send him a typed summary of the recordings. The Executive Department iterated that if my attorney wanted the actual audio recordings, he would need to send a subpoena request to their National Subpoena Processing Department. This is still another example of the kind of institutionally embedded delay tactics and clandestine coercion used by Chase Bank to prevent opposition to its decisions.
Chase Bank recorded all of my phone conversations with its agents, not for customer service purposes, but to now egregiously misrepresent those conversations as evidence for upholding the fraudulent charges. Chase Bank is withholding those audio recordings to prevent me from defending my claims. Apparently Chase Bank has built into its business model various ramparts of time-consuming and burdensome steps that prevent its clients from accessing mutual information related to its clients claims against the bank.
Later, and still on XX/XX/2019, my attorney and I called Chase Bank to, once again, verify my attorneys identity ; we were then able to confirm that the bank had, evidently within the past few hours, removed the online restrictions on my account. The Executive Fraud Department did not contact me nor did they contact my attorney to mention that the restrictions were lifted. This tends to show the security hold was retaliatory.
In the letter Chase Bank sent me on XX/XX/2019, Chase Bank demanded that I pay the amounts that form the basis for the claims filed with the CFPB. I maintain that I do not owe the amounts Chase Bank asserts I owe because those charges were fraudulent, and the claims with the CFPB have not been resolved.
I believe Chase Bank retaliated against me to discourage me from continuing to dispute the charges and to punish me for continuing to object to their egregious institutional practices and conduct ( e.g., their delay tactics ) related to those charges.
Company Response: Closed with explanation
2019-04-22
CO
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Complaint: I purchased a United airlines ticket. The ticket was on miles and I paid for the taxes and fees on my Chase credit card. The ticket was cancelled prior to departure date and United refunded the mileage but the charges for fees needed to go back to original card purchased. A Chase credit card that was no longer active at the time of refund. Chase refuses to acknowledge the refund or provide refund in a suitable manner ( e.g. check, prepaid card, or any option ). I have tried multiple times ( 5 to be exact ) on the phone and in writing to get this addressed. On XXXX XX/XX/XXXX I sent a certified letter and Chase has still not responded as of XXXX XX/XX/XXXX.
Previously in writing, Chase declined to refund money due to me based on response dated XX/XX/XXXX, stating Chase no longer had this account in their system. The account was active for period of time and does not exclude me obtaining a refund even if the account has since been closed. I have proof of this account and provided to Chase, but they say they can not find the account since it is no longer active. Proof of the account was provided and I still have to show this was an account in my name.
This last response from Chase was especially disappointing as it is outright fraudulent. I have provided proof that I had this credit card, in my name and the full credit card number in all correspondence. I tried getting this corrected the month after the airline ticket was properly cancelled. It has taken over 9 months of back and forth and now Chase taking no record for accounting is unacceptable.
To state that Chase no longer has these records is a violation of FINRA and Sarbanes Oxley. Both regulations require Chase to keep records for at least seven years. To state you no longer have proof is someone being lazy and not wanting to do the right thing in accordance with compliance, regulations, and standard governance.
Chase 's response is a clear violation of Federal requirement for financial institutions under which they are a part. Chase is required by Federal law to maintain copies of account records for up to seven years. All transactions and records of account are documented and have been provided each time. Please help me as this is poor business practice on Chase 's part.
Company Response: Closed with explanation
2019-04-22
Katy, TX
Managing an account
Checking or savings account: Other banking product or service
Deposits and withdrawals
Company Response: Closed with explanation
2019-04-22
Odenton, MD
Struggling to pay mortgage
Mortgage: FHA mortgage
Company Response: Closed with explanation
2019-04-22
Cheshire, OR
Closing on a mortgage
Mortgage: Home equity loan or line of credit (HELOC)
Company Response: Closed with explanation
2019-04-22
Plymouth, FL
Other transaction problem
Money transfer, virtual currency, or money service: Domestic (US) money transfer
Complaint: Hello. My claim refers to two transactions made through XXXX from the bank Chase that ended up in the wrong hands for reasons beyond my control and has resulted in money lost without response.
It happened as explained : I have check accounts with XXXX XXXX and chase. In XXXX XXXX I had XXXX configured with my phone number, with chase XXXX used my email. On XX/XX/XXXX I changed my phone number on XXXX for scam call harassment. 3 days later XX/XX/XXXX I updated my information on the XXXX XXXX website by putting my new phone number. I made a transaction of XXXX using XXXX from chase as I usually do, using my new number and trusting that everything was fine. The next day XXXX my wife calls me saying there was not enough money in the joint XXXX XXXX account and I send XXXX more and then I verify and surprise : no transaction ever arrived. Quickly from my work center I call chase and XXXX XXXX to get an answer and they tell me that it can not be canceled.
I personally went to both banks and they just told me that that phone number was anchored to the previous owner of the number in the XXXX XXXX XXXX.I called XXXX and they tell me that number had not been used for months.I updated my profile in XXXX XXXX on time, as it was possible that? It turns out that although your data is correctly updated in the profile in the XXXX XXXX system, you can not register that phone in XXXX if it is anchored to another bank. But chase having been informed of the problem to try to give quick solution like cancellation or something, never did anything, and the money was mine and left chase at the wrong hands. I made a claim in Chase with number XXXX, they washed their hands passing the claim to XXXX with number XXXX tried to communicate with the customer service in XXXX and it is impossible to reach because they always refer you to your banking institution. And I have not even received any answer by email from them just total silence.
Yesterday, XX/XX/XXXX, after several attempts to recover my money I have called to Chase and they tell me that the back office tried to recover the money from the XXXX XXXX XXXX and it was not possible. So simple as that.This shows that the XXXX system is not at all safe but also demonstrates the incompetence of a bank as Chase to fairly solve a situation that I was not guilty of, Because simply I did everything I had to do at the time I used my own phone number, update my information as required and so and all the money has been lost. That's why I ask for a refund of my money to Chase, as it should be.
Company Response: Closed with explanation
2019-04-22
Los Angeles, CA
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Closed with explanation
2019-04-22
Brooklyn, NY
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Complaint: I have been a Chase customer since the early 1990 's. I paid for protection for ATM fraud. Recently I was out of the country for 6 months for work and I had a slew of fraudulent ATM tradnsactions. I reported this to the police and they made an arrest. Still Chase won't reimburse the following ATM withdrawals.
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX Now, this was only small portion of the fraud that I lost. I lost another {$40000.00} and I paid for ATM protection and Chase still won't refund my money. I have never had a problem in 30 years. Please help
Company Response: Closed with explanation
2019-04-22
Bammel, TX
Problems at the end of the loan or lease
Vehicle loan or lease: Loan
Unable to receive car title or other problem after the loan is paid off
Company Response: Closed with monetary relief
2019-04-22
Muhlenberg, NJ
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2019-04-22
Beyersville, TX
Opening an account
Checking or savings account: Checking account
Didn't receive terms that were advertised
Company Response: Closed with explanation
2019-04-22
Tarzana, CA
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Application denied
Complaint: On or before XX/XX/2019 I applied for XXXX XXXX Credit Cards. My application was denied based on " too many CC opened in the last two years '' I reachout to Chase Bank and asked for explanation and definition of what is it too many CC, Chase refused to define and reply that that definition is a company lending practice and would not be disclosed. I spoke with XXXX XXXX Lead customer service in XXXX Arizona.
I think Chase denied my application based on my location to be a low income and mostly people of color area ( XXXX XXXX ).
I ask CFPB to intervene and stop this illegal practice by Chase which is in reality discrimination in landing practice
Company Response: Closed with explanation